Pioneer Credit Union – ATIRAcredit Transition FAQs

To view the benefits of this new card and apply now click here

1. Why is Pioneer selling our credit card portfolio?
   ATIRAcredit will assume ownership of our credit card program on January 7, 2009.  The reason for the change is simple - to stay competitive in the credit card industry, we must have a card that offers additional features and flexibility.  By partnering with ATIRAcredit, we can offer you benefits we couldn’t in the past
   
2. Who is ATIRAcredit?
   ATIRAcredit is a Credit Union organization that offers credit cards to partner Credit Unions.  They offer a Platinum Rewards MasterCard to replace your current Pioneer Classic and Platinum cards. 
   
3. What are the benefits of the Pioneer ATIRAcredit Platinum MasterCard?
   Your platinum card gives you the prestige of having a top tier card with a generous rewards program.  It also combines great benefits at no additional cost such as Zero Liability fraud protection and a $250,000 travel insurance policy that is automatically added when you use your ATIRAcredit Platinum MasterCard.  Finally, AT NO COST TO YOU, we are pleased to offer the following additional benefits: 
   
   

   * Extended Warranty Coverage – Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items purchased with your Pioneer ATIRAcredit MasterCard.

   * Price Protection Coverage – If you find a lower price for something you purchased with your Pioneer ATIRAcredit MasterCard within 60 days of purchase, you may be eligible for the reimbursement of the price difference. 

   * Purchase Assurance Coverage – If something you purchased with your Pioneer ATIRAcredit MasterCard is damaged or stolen within 90 days of purchase, you may be eligible for coverage of the actual cost of the item.

4. Will Pioneer still be able to service my credit card account?
   Your relationship with us at Pioneer is unchanged, you are still able to make payments and inquiries at your local branch.  In addition, ATIRAcredit also gives you added credit card benefits such as 24/7 customer service, online account information, and a generous rewards program without any annual fees.

5. What is the transition timeline?
   *  January 5th - letter announcing the purchase was mailed to all current cardmembers. 
   * January 12th - letter with the new terms and conditions and the new cardmember agreement. 
   * ~ March 1st - letter with activation instructions
   * ~ March 15th - your new card arrives, look for it in a white, unmarked envelope for your security
   * April 6th - old Pioneer Visa and MasterCards become inactive
   
6. Will my account number change?
   Yes, you will receive a new account number and expiration date.  Please remember to update any recurring payments that happen automatically with your current Pioneer card to your new account number. 
   
7. Will my interest rates increase?
   If you currently have a Pioneer Platinum card your rate will be 5.99% or 7.99%.  For current Classic cardmembers, your rate will be 9.99%.  Cash advances made on your old Pioneer Visa or MasterCard cards will remain at your new Purchase APR rate.  However, new cash advances made on your Pioneer ATIRAcredit card will carry the rate disclosed on your Welcome Letter.  Please see your Welcome Letter and cardmember agreement for full disclosures. 
   
8. Can I request a PIN for cash advances?
   Yes, as a security measure to protect you, personal identification numbers (PINs) are not created unless they are requested.  To request or to change your PIN, please call 888-4-ATIRA-1 (888-428-4721).
   
9. Will my balance and charges transfer automatically from my existing Pioneer Visa card to my new Pioneer ATIRAcredit Platinum MasterCard?
   Yes, your existing balance will move automatically once you activate your new Pioneer ATIRAcredit card
   
10. Can I continue to use my Pioneer Visa or MasterCard account?
    Your current account will continue to work until your receive and activate your new Pioneer ATIRAcredit card (see timeline above).  However, your old card will be deactivated on April 6th, so please watch for and activate your new card as soon as possible to avoid any usage interruptions.
    
11. What will happen to my old Pioneer Visa or MasterCard account?
    Your old Pioneer Visa or MasterCard will be closed and your balance moved to your new Pioneer ATIRAcredit card at conversion.  Once you activate your new Pioneer ATIRAcredit card, please destroy your old cards.
    
12. Will my credit bureau report reflect this change?
    Yes, your credit bureau will show your old card as sold/transferred with zero balance and your new card will be added to your report.  The new card may be listed on the report as TMG Financial Services, ATIRAcredit.
    
13. Will my joint account holder or authorized users also receive a new card?
    Yes, all card holders under your current card will receive the new Pioneer ATIRAcredit card and maintain the same relationship as they had under the old card.
    
14. How can I make a payment on the new card?
    As a cardmember you have a number of convenient ways to make your payment.
    *  Online 
    *  At your local Pioneer Credit Union branch
    *  Over the phone (no fees) at 888-4-ATIRA-1
    *  By mail, the envelope and address is provided with each statement

click here to view the benefits of this new card and apply now